Home > The National Bank of Delaware County > Income and Expense
The National Bank of Delaware County, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $5,200,000 | 2,332 |
| Total interest expense | $658,000 | 1,993 |
| Net interest income | $4,542,000 | 2,383 |
| Provision for loan and lease losses | $2,000 | 3,970 |
| Total noninterest income | $1,297,000 | 1,799 |
| Gross Fiduciary activities income | $26,000 | 876 |
| Service charges on deposit accounts | $484,000 | 1,221 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $787,000 | 1,807 |
| Total noninterest expense | $5,666,000 | 1,708 |
| Salaries and employee benefits | $2,476,000 | 2,108 |
| Premises and equipment expense | $681,000 | 1,663 |
| Additional noninterest expense | $2,509,000 | 1,265 |
| Pre-tax net operating income | $171,000 | 5,201 |
| Securities gains (losses) | $44,000 | 1,516 |
| Applicable income taxes | $-251,000 | 6,009 |
| Income before extraordinary items | $466,000 | 4,063 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $466,000 | 4,060 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $466,000 | 4,062 |
| Net charge-offs | $35,000 | 2,409 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $422,000 | 4,135 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,593,000 | 2,340 |
| Total interest expense | $330,000 | 1,996 |
| Net interest income | $2,263,000 | 2,384 |
| Provision for loan and lease losses | $2,000 | 3,590 |
| Total noninterest income | $742,000 | 1,606 |
| Gross Fiduciary activities income | $6,000 | 933 |
| Service charges on deposit accounts | $246,000 | 1,207 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $490,000 | 1,524 |
| Total noninterest expense | $2,808,000 | 1,724 |
| Salaries and employee benefits | $1,240,000 | 2,117 |
| Premises and equipment expense | $353,000 | 1,612 |
| Additional noninterest expense | $1,215,000 | 1,291 |
| Pre-tax net operating income | $195,000 | 4,466 |
| Securities gains (losses) | $43,000 | 893 |
| Applicable income taxes | $-59,000 | 6,051 |
| Income before extraordinary items | $297,000 | 3,649 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $297,000 | 3,646 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $297,000 | 3,647 |
| Net charge-offs | $44,000 | 1,519 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $254,000 | 3,831 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $10,796,000 | 2,223 |
| Total interest expense | $1,425,000 | 1,852 |
| Net interest income | $9,371,000 | 2,275 |
| Provision for loan and lease losses | $200,000 | 2,306 |
| Total noninterest income | $2,285,000 | 1,935 |
| Gross Fiduciary activities income | $31,000 | 946 |
| Service charges on deposit accounts | $1,002,000 | 1,217 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,252,000 | 2,091 |
| Total noninterest expense | $11,432,000 | 1,666 |
| Salaries and employee benefits | $5,489,000 | 1,900 |
| Premises and equipment expense | $1,467,000 | 1,565 |
| Additional noninterest expense | $4,476,000 | 1,394 |
| Pre-tax net operating income | $24,000 | 5,824 |
| Securities gains (losses) | $956,000 | 218 |
| Applicable income taxes | $-183,000 | 6,036 |
| Income before extraordinary items | $1,163,000 | 3,679 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,163,000 | 3,679 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,163,000 | 3,680 |
| Net charge-offs | $103,000 | 2,627 |
| Cash dividends | $370,000 | 3,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $207,000 | 5,394 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $8,109,000 | 2,230 |
| Total interest expense | $1,076,000 | 1,853 |
| Net interest income | $7,033,000 | 2,295 |
| Provision for loan and lease losses | $179,000 | 2,105 |
| Total noninterest income | $1,696,000 | 1,966 |
| Gross Fiduciary activities income | $29,000 | 916 |
| Service charges on deposit accounts | $730,000 | 1,267 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $937,000 | 2,114 |
| Total noninterest expense | $8,967,000 | 1,617 |
| Salaries and employee benefits | $4,338,000 | 1,809 |
| Premises and equipment expense | $1,141,000 | 1,523 |
| Additional noninterest expense | $3,488,000 | 1,348 |
| Pre-tax net operating income | $-417,000 | 6,144 |
| Securities gains (losses) | $893,000 | 201 |
| Applicable income taxes | $-220,000 | 6,190 |
| Income before extraordinary items | $696,000 | 4,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $696,000 | 4,125 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $696,000 | 4,128 |
| Net charge-offs | $99,000 | 2,176 |
| Cash dividends | $185,000 | 3,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $-197,000 | 6,091 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $5,373,000 | 2,248 |
| Total interest expense | $722,000 | 1,848 |
| Net interest income | $4,651,000 | 2,311 |
| Provision for loan and lease losses | $126,000 | 1,954 |
| Total noninterest income | $1,119,000 | 1,989 |
| Gross Fiduciary activities income | $26,000 | 901 |
| Service charges on deposit accounts | $466,000 | 1,289 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $627,000 | 2,104 |
| Total noninterest expense | $6,103,000 | 1,597 |
| Salaries and employee benefits | $2,961,000 | 1,783 |
| Premises and equipment expense | $777,000 | 1,506 |
| Additional noninterest expense | $2,365,000 | 1,332 |
| Pre-tax net operating income | $-459,000 | 6,239 |
| Securities gains (losses) | $888,000 | 163 |
| Applicable income taxes | $-95,000 | 6,254 |
| Income before extraordinary items | $524,000 | 3,888 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $524,000 | 3,889 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $524,000 | 3,891 |
| Net charge-offs | $63,000 | 2,134 |
| Cash dividends | $185,000 | 2,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $-364,000 | 6,224 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,623,000 | 2,288 |
| Total interest expense | $370,000 | 1,823 |
| Net interest income | $2,253,000 | 2,369 |
| Provision for loan and lease losses | $71,000 | 1,793 |
| Total noninterest income | $562,000 | 1,961 |
| Gross Fiduciary activities income | $3,000 | 1,013 |
| Service charges on deposit accounts | $238,000 | 1,234 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $321,000 | 2,027 |
| Total noninterest expense | $3,118,000 | 1,556 |
| Salaries and employee benefits | $1,514,000 | 1,760 |
| Premises and equipment expense | $423,000 | 1,415 |
| Additional noninterest expense | $1,181,000 | 1,317 |
| Pre-tax net operating income | $-374,000 | 6,347 |
| Securities gains (losses) | $703,000 | 118 |
| Applicable income taxes | $8,000 | 3,914 |
| Income before extraordinary items | $321,000 | 3,526 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $321,000 | 3,529 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $321,000 | 3,529 |
| Net charge-offs | $45,000 | 1,636 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $-367,940 | 6,349 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,245,000 | 2,584 |
| Total interest expense | $1,441,000 | 1,958 |
| Net interest income | $7,804,000 | 2,682 |
| Provision for loan and lease losses | $74,000 | 3,488 |
| Total noninterest income | $2,040,000 | 2,075 |
| Gross Fiduciary activities income | $37,000 | 955 |
| Service charges on deposit accounts | $730,000 | 1,700 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,273,000 | 1,991 |
| Total noninterest expense | $9,759,000 | 1,939 |
| Salaries and employee benefits | $4,502,000 | 2,253 |
| Premises and equipment expense | $941,000 | 2,358 |
| Additional noninterest expense | $4,316,000 | 1,460 |
| Pre-tax net operating income | $11,000 | 6,050 |
| Securities gains (losses) | $1,213,000 | 173 |
| Applicable income taxes | $-7,000 | 6,122 |
| Income before extraordinary items | $1,231,000 | 3,575 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,231,000 | 3,576 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,231,000 | 3,577 |
| Net charge-offs | $169,000 | 2,653 |
| Cash dividends | $601,000 | 2,622 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $18,000 | 6,055 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $6,511,000 | 2,738 |
| Total interest expense | $1,060,000 | 2,015 |
| Net interest income | $5,451,000 | 2,834 |
| Provision for loan and lease losses | $29,000 | 3,769 |
| Total noninterest income | $1,037,000 | 2,650 |
| Gross Fiduciary activities income | $30,000 | 942 |
| Service charges on deposit accounts | $391,000 | 2,232 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $616,000 | 2,606 |
| Total noninterest expense | $6,808,000 | 2,074 |
| Salaries and employee benefits | $3,033,000 | 2,472 |
| Premises and equipment expense | $533,000 | 2,911 |
| Additional noninterest expense | $3,242,000 | 1,467 |
| Pre-tax net operating income | $-349,000 | 6,357 |
| Securities gains (losses) | $866,000 | 181 |
| Applicable income taxes | $-163,000 | 6,445 |
| Income before extraordinary items | $680,000 | 4,180 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $680,000 | 4,181 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $680,000 | 4,181 |
| Net charge-offs | $117,000 | 2,540 |
| Cash dividends | $416,000 | 2,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-186,000 | 6,310 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,301,000 | 2,757 |
| Total interest expense | $713,000 | 2,019 |
| Net interest income | $3,588,000 | 2,869 |
| Provision for loan and lease losses | $54,000 | 2,954 |
| Total noninterest income | $649,000 | 2,721 |
| Gross Fiduciary activities income | $25,000 | 923 |
| Service charges on deposit accounts | $227,000 | 2,437 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $397,000 | 2,632 |
| Total noninterest expense | $4,269,000 | 2,200 |
| Salaries and employee benefits | $1,981,000 | 2,530 |
| Premises and equipment expense | $345,000 | 2,999 |
| Additional noninterest expense | $1,943,000 | 1,601 |
| Pre-tax net operating income | $-86,000 | 6,325 |
| Securities gains (losses) | $755,000 | 158 |
| Applicable income taxes | $4,000 | 4,298 |
| Income before extraordinary items | $665,000 | 3,431 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $665,000 | 3,437 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $665,000 | 3,437 |
| Net charge-offs | $99,000 | 2,199 |
| Cash dividends | $416,000 | 2,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-82,450 | 6,324 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,104,000 | 2,811 |
| Total interest expense | $354,000 | 2,050 |
| Net interest income | $1,750,000 | 2,928 |
| Provision for loan and lease losses | $15,000 | 3,093 |
| Total noninterest income | $332,000 | 2,656 |
| Gross Fiduciary activities income | $21,000 | 890 |
| Service charges on deposit accounts | $84,000 | 3,004 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $227,000 | 2,379 |
| Total noninterest expense | $1,956,000 | 2,376 |
| Salaries and employee benefits | $973,000 | 2,575 |
| Premises and equipment expense | $190,000 | 2,853 |
| Additional noninterest expense | $793,000 | 1,902 |
| Pre-tax net operating income | $111,000 | 5,169 |
| Securities gains (losses) | $3,000 | 1,458 |
| Applicable income taxes | $-94,000 | 6,620 |
| Income before extraordinary items | $208,000 | 4,178 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $208,000 | 4,178 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $208,000 | 4,180 |
| Net charge-offs | $40,000 | 2,022 |
| Cash dividends | $55,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $205,000 | 4,160 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,838,000 | 2,712 |
| Total interest expense | $1,550,000 | 2,104 |
| Net interest income | $7,288,000 | 2,822 |
| Provision for loan and lease losses | $525,000 | 1,775 |
| Total noninterest income | $1,526,000 | 2,563 |
| Gross Fiduciary activities income | $26,000 | 1,018 |
| Service charges on deposit accounts | $382,000 | 2,914 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,118,000 | 2,229 |
| Total noninterest expense | $7,614,000 | 2,450 |
| Salaries and employee benefits | $3,771,000 | 2,612 |
| Premises and equipment expense | $613,000 | 3,259 |
| Additional noninterest expense | $3,230,000 | 1,958 |
| Pre-tax net operating income | $675,000 | 4,643 |
| Securities gains (losses) | $731,000 | 314 |
| Applicable income taxes | $-38,000 | 6,394 |
| Income before extraordinary items | $1,444,000 | 3,227 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,444,000 | 3,229 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,444,000 | 3,230 |
| Net charge-offs | $407,000 | 2,235 |
| Cash dividends | $1,043,000 | 1,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $713,000 | 4,373 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,769,000 | 2,684 |
| Total interest expense | $1,184,000 | 2,128 |
| Net interest income | $5,585,000 | 2,786 |
| Provision for loan and lease losses | $270,000 | 2,189 |
| Total noninterest income | $899,000 | 2,958 |
| Gross Fiduciary activities income | $18,000 | 1,009 |
| Service charges on deposit accounts | $279,000 | 2,985 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $602,000 | 2,735 |
| Total noninterest expense | $5,610,000 | 2,484 |
| Salaries and employee benefits | $2,803,000 | 2,640 |
| Premises and equipment expense | $451,000 | 3,340 |
| Additional noninterest expense | $2,356,000 | 1,987 |
| Pre-tax net operating income | $604,000 | 4,489 |
| Securities gains (losses) | $421,000 | 475 |
| Applicable income taxes | $-55,000 | 6,639 |
| Income before extraordinary items | $1,080,000 | 3,276 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,080,000 | 3,279 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,080,000 | 3,280 |
| Net charge-offs | $292,000 | 2,148 |
| Cash dividends | $571,000 | 1,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $659,000 | 4,091 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,546,000 | 2,668 |
| Total interest expense | $797,000 | 2,143 |
| Net interest income | $3,749,000 | 2,756 |
| Provision for loan and lease losses | $120,000 | 2,706 |
| Total noninterest income | $601,000 | 2,993 |
| Gross Fiduciary activities income | $14,000 | 998 |
| Service charges on deposit accounts | $181,000 | 3,017 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $406,000 | 2,784 |
| Total noninterest expense | $3,736,000 | 2,481 |
| Salaries and employee benefits | $1,862,000 | 2,662 |
| Premises and equipment expense | $302,000 | 3,336 |
| Additional noninterest expense | $1,572,000 | 1,991 |
| Pre-tax net operating income | $494,000 | 4,155 |
| Securities gains (losses) | $143,000 | 905 |
| Applicable income taxes | $-63,000 | 6,720 |
| Income before extraordinary items | $700,000 | 3,310 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $700,000 | 3,311 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $700,000 | 3,313 |
| Net charge-offs | $75,000 | 3,022 |
| Cash dividends | $516,000 | 1,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $557,000 | 3,639 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,268,000 | 2,691 |
| Total interest expense | $402,000 | 2,187 |
| Net interest income | $1,866,000 | 2,781 |
| Provision for loan and lease losses | $75,000 | 2,354 |
| Total noninterest income | $312,000 | 2,947 |
| Gross Fiduciary activities income | $18,000 | 915 |
| Service charges on deposit accounts | $86,000 | 3,095 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $208,000 | 2,727 |
| Total noninterest expense | $1,879,000 | 2,500 |
| Salaries and employee benefits | $951,000 | 2,629 |
| Premises and equipment expense | $155,000 | 3,311 |
| Additional noninterest expense | $773,000 | 2,026 |
| Pre-tax net operating income | $224,000 | 4,303 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-73,000 | 6,900 |
| Income before extraordinary items | $297,000 | 3,582 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $297,000 | 3,583 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $297,000 | 3,584 |
| Net charge-offs | $3,000 | 3,820 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $297,000 | 3,490 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,603,000 | 2,658 |
| Total interest expense | $1,884,000 | 2,241 |
| Net interest income | $7,719,000 | 2,740 |
| Provision for loan and lease losses | $233,000 | 3,745 |
| Total noninterest income | $1,298,000 | 2,836 |
| Gross Fiduciary activities income | $25,000 | 1,044 |
| Service charges on deposit accounts | $363,000 | 3,115 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $910,000 | 2,500 |
| Total noninterest expense | $7,580,000 | 2,480 |
| Salaries and employee benefits | $3,942,000 | 2,485 |
| Premises and equipment expense | $591,000 | 3,423 |
| Additional noninterest expense | $3,047,000 | 2,130 |
| Pre-tax net operating income | $1,204,000 | 3,701 |
| Securities gains (losses) | $376,000 | 1,166 |
| Applicable income taxes | $92,000 | 3,564 |
| Income before extraordinary items | $1,488,000 | 3,145 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,488,000 | 3,145 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,488,000 | 3,145 |
| Net charge-offs | $279,000 | 3,393 |
| Cash dividends | $933,000 | 2,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,134,560 | 3,510 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,289,000 | 2,683 |
| Total interest expense | $1,460,000 | 2,258 |
| Net interest income | $5,829,000 | 2,771 |
| Provision for loan and lease losses | $145,000 | 3,934 |
| Total noninterest income | $945,000 | 2,887 |
| Gross Fiduciary activities income | $29,000 | 988 |
| Service charges on deposit accounts | $261,000 | 3,243 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $655,000 | 2,556 |
| Total noninterest expense | $5,824,000 | 2,441 |
| Salaries and employee benefits | $2,984,000 | 2,468 |
| Premises and equipment expense | $460,000 | 3,379 |
| Additional noninterest expense | $2,380,000 | 2,053 |
| Pre-tax net operating income | $805,000 | 4,018 |
| Securities gains (losses) | $224,000 | 1,343 |
| Applicable income taxes | $19,000 | 4,178 |
| Income before extraordinary items | $1,010,000 | 3,418 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,010,000 | 3,419 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,010,000 | 3,420 |
| Net charge-offs | $196,000 | 3,332 |
| Cash dividends | $466,000 | 2,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $790,480 | 3,714 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,911,000 | 2,670 |
| Total interest expense | $1,012,000 | 2,263 |
| Net interest income | $3,899,000 | 2,772 |
| Provision for loan and lease losses | $45,000 | 4,652 |
| Total noninterest income | $638,000 | 2,825 |
| Gross Fiduciary activities income | $30,000 | 946 |
| Service charges on deposit accounts | $166,000 | 3,316 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $442,000 | 2,504 |
| Total noninterest expense | $3,875,000 | 2,436 |
| Salaries and employee benefits | $1,977,000 | 2,482 |
| Premises and equipment expense | $319,000 | 3,282 |
| Additional noninterest expense | $1,579,000 | 2,071 |
| Pre-tax net operating income | $617,000 | 3,760 |
| Securities gains (losses) | $129,000 | 1,420 |
| Applicable income taxes | $43,000 | 3,636 |
| Income before extraordinary items | $703,000 | 3,318 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $703,000 | 3,318 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $703,000 | 3,319 |
| Net charge-offs | $196,000 | 2,778 |
| Cash dividends | $466,000 | 1,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $581,740 | 3,517 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,456,000 | 2,696 |
| Total interest expense | $530,000 | 2,255 |
| Net interest income | $1,926,000 | 2,808 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $332,000 | 2,777 |
| Gross Fiduciary activities income | $21,000 | 913 |
| Service charges on deposit accounts | $86,000 | 3,236 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $225,000 | 2,491 |
| Total noninterest expense | $1,960,000 | 2,417 |
| Salaries and employee benefits | $998,000 | 2,473 |
| Premises and equipment expense | $167,000 | 3,198 |
| Additional noninterest expense | $795,000 | 2,046 |
| Pre-tax net operating income | $268,000 | 4,035 |
| Securities gains (losses) | $131,000 | 796 |
| Applicable income taxes | $21,000 | 3,648 |
| Income before extraordinary items | $378,000 | 3,190 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $378,000 | 3,194 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $378,000 | 3,194 |
| Net charge-offs | $109,000 | 2,375 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $253,550 | 3,799 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,532,000 | 2,647 |
| Total interest expense | $2,306,000 | 2,485 |
| Net interest income | $8,226,000 | 2,658 |
| Provision for loan and lease losses | $697,000 | 2,957 |
| Total noninterest income | $1,440,000 | 2,515 |
| Gross Fiduciary activities income | $113,000 | 828 |
| Service charges on deposit accounts | $366,000 | 3,202 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $961,000 | 2,192 |
| Total noninterest expense | $7,726,000 | 2,445 |
| Salaries and employee benefits | $3,935,000 | 2,439 |
| Premises and equipment expense | $657,000 | 3,337 |
| Additional noninterest expense | $3,134,000 | 2,117 |
| Pre-tax net operating income | $1,243,000 | 3,335 |
| Securities gains (losses) | $599,000 | 692 |
| Applicable income taxes | $201,000 | 2,899 |
| Income before extraordinary items | $1,641,000 | 2,594 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,641,000 | 2,594 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,641,000 | 2,595 |
| Net charge-offs | $379,000 | 3,517 |
| Cash dividends | $1,100,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,107,890 | 3,248 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,011,000 | 2,636 |
| Total interest expense | $1,766,000 | 2,531 |
| Net interest income | $6,245,000 | 2,633 |
| Provision for loan and lease losses | $367,000 | 3,341 |
| Total noninterest income | $1,037,000 | 2,560 |
| Gross Fiduciary activities income | $91,000 | 809 |
| Service charges on deposit accounts | $275,000 | 3,201 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $671,000 | 2,269 |
| Total noninterest expense | $5,907,000 | 2,411 |
| Salaries and employee benefits | $3,007,000 | 2,397 |
| Premises and equipment expense | $498,000 | 3,362 |
| Additional noninterest expense | $2,402,000 | 2,074 |
| Pre-tax net operating income | $1,008,000 | 3,304 |
| Securities gains (losses) | $152,000 | 1,423 |
| Applicable income taxes | $77,000 | 3,393 |
| Income before extraordinary items | $1,083,000 | 2,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,083,000 | 2,908 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,083,000 | 2,908 |
| Net charge-offs | $380,000 | 2,974 |
| Cash dividends | $550,000 | 1,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $941,640 | 3,087 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,384,000 | 2,633 |
| Total interest expense | $1,198,000 | 2,570 |
| Net interest income | $4,186,000 | 2,635 |
| Provision for loan and lease losses | $215,000 | 3,434 |
| Total noninterest income | $691,000 | 2,566 |
| Gross Fiduciary activities income | $68,000 | 800 |
| Service charges on deposit accounts | $176,000 | 3,270 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $447,000 | 2,270 |
| Total noninterest expense | $3,973,000 | 2,424 |
| Salaries and employee benefits | $2,016,000 | 2,408 |
| Premises and equipment expense | $351,000 | 3,252 |
| Additional noninterest expense | $1,606,000 | 2,108 |
| Pre-tax net operating income | $689,000 | 3,219 |
| Securities gains (losses) | $68,000 | 1,391 |
| Applicable income taxes | $43,000 | 3,453 |
| Income before extraordinary items | $714,000 | 2,882 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $714,000 | 2,884 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $714,000 | 2,884 |
| Net charge-offs | $-3,000 | 6,756 |
| Cash dividends | $550,000 | 1,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $650,080 | 2,961 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,694,000 | 2,652 |
| Total interest expense | $605,000 | 2,620 |
| Net interest income | $2,089,000 | 2,627 |
| Provision for loan and lease losses | $37,000 | 4,473 |
| Total noninterest income | $370,000 | 2,471 |
| Gross Fiduciary activities income | $58,000 | 711 |
| Service charges on deposit accounts | $87,000 | 3,269 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $225,000 | 2,304 |
| Total noninterest expense | $2,038,000 | 2,380 |
| Salaries and employee benefits | $1,034,000 | 2,364 |
| Premises and equipment expense | $194,000 | 3,063 |
| Additional noninterest expense | $810,000 | 2,077 |
| Pre-tax net operating income | $384,000 | 3,049 |
| Securities gains (losses) | $50,000 | 760 |
| Applicable income taxes | $42,000 | 2,965 |
| Income before extraordinary items | $392,000 | 2,712 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $392,000 | 2,711 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $392,000 | 2,712 |
| Net charge-offs | $-9,000 | 6,970 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $347,000 | 2,893 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,586,000 | 2,817 |
| Total interest expense | $2,574,000 | 2,923 |
| Net interest income | $8,012,000 | 2,719 |
| Provision for loan and lease losses | $120,000 | 5,848 |
| Total noninterest income | $1,394,000 | 2,647 |
| Gross Fiduciary activities income | $49,000 | 967 |
| Service charges on deposit accounts | $413,000 | 3,016 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $932,000 | 2,262 |
| Total noninterest expense | $7,605,000 | 2,553 |
| Salaries and employee benefits | $3,954,000 | 2,423 |
| Premises and equipment expense | $653,000 | 3,489 |
| Additional noninterest expense | $2,998,000 | 2,292 |
| Pre-tax net operating income | $1,681,000 | 2,549 |
| Securities gains (losses) | $262,000 | 1,375 |
| Applicable income taxes | $268,000 | 2,463 |
| Income before extraordinary items | $1,675,000 | 2,326 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,675,000 | 2,324 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,675,000 | 2,327 |
| Net charge-offs | $145,000 | 5,086 |
| Cash dividends | $999,000 | 1,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,449,680 | 2,469 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,913,000 | 2,867 |
| Total interest expense | $1,949,000 | 3,020 |
| Net interest income | $5,964,000 | 2,769 |
| Provision for loan and lease losses | $90,000 | 5,755 |
| Total noninterest income | $1,040,000 | 2,656 |
| Gross Fiduciary activities income | $47,000 | 927 |
| Service charges on deposit accounts | $323,000 | 3,004 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $670,000 | 2,336 |
| Total noninterest expense | $5,826,000 | 2,486 |
| Salaries and employee benefits | $3,055,000 | 2,378 |
| Premises and equipment expense | $491,000 | 3,532 |
| Additional noninterest expense | $2,280,000 | 2,242 |
| Pre-tax net operating income | $1,088,000 | 2,942 |
| Securities gains (losses) | $257,000 | 1,183 |
| Applicable income taxes | $177,000 | 2,676 |
| Income before extraordinary items | $1,168,000 | 2,603 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,168,000 | 2,601 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,168,000 | 2,605 |
| Net charge-offs | $139,000 | 4,576 |
| Cash dividends | $500,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $944,410 | 2,866 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,241,000 | 2,922 |
| Total interest expense | $1,322,000 | 3,081 |
| Net interest income | $3,919,000 | 2,799 |
| Provision for loan and lease losses | $60,000 | 5,595 |
| Total noninterest income | $722,000 | 2,537 |
| Gross Fiduciary activities income | $47,000 | 881 |
| Service charges on deposit accounts | $224,000 | 2,934 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $451,000 | 2,239 |
| Total noninterest expense | $3,879,000 | 2,495 |
| Salaries and employee benefits | $2,044,000 | 2,387 |
| Premises and equipment expense | $337,000 | 3,491 |
| Additional noninterest expense | $1,498,000 | 2,259 |
| Pre-tax net operating income | $702,000 | 3,020 |
| Securities gains (losses) | $107,000 | 1,376 |
| Applicable income taxes | $98,000 | 2,806 |
| Income before extraordinary items | $711,000 | 2,732 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $711,000 | 2,727 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $711,000 | 2,731 |
| Net charge-offs | $118,000 | 4,067 |
| Cash dividends | $500,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $616,840 | 2,903 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,707,000 | 2,893 |
| Total interest expense | $666,000 | 3,171 |
| Net interest income | $2,041,000 | 2,732 |
| Provision for loan and lease losses | $30,000 | 5,300 |
| Total noninterest income | $391,000 | 2,405 |
| Gross Fiduciary activities income | $45,000 | 786 |
| Service charges on deposit accounts | $119,000 | 2,802 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $227,000 | 2,210 |
| Total noninterest expense | $1,930,000 | 2,526 |
| Salaries and employee benefits | $1,025,000 | 2,415 |
| Premises and equipment expense | $172,000 | 3,508 |
| Additional noninterest expense | $733,000 | 2,308 |
| Pre-tax net operating income | $472,000 | 2,522 |
| Securities gains (losses) | $2,000 | 2,064 |
| Applicable income taxes | $72,000 | 2,447 |
| Income before extraordinary items | $402,000 | 2,542 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $402,000 | 2,540 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $402,000 | 2,542 |
| Net charge-offs | $99,000 | 3,116 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $400,300 | 2,458 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,137,000 | 2,940 |
| Total interest expense | $3,047,000 | 3,378 |
| Net interest income | $8,090,000 | 2,703 |
| Provision for loan and lease losses | $190,000 | 5,841 |
| Total noninterest income | $1,373,000 | 2,716 |
| Gross Fiduciary activities income | $47,000 | 974 |
| Service charges on deposit accounts | $445,000 | 3,116 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $881,000 | 2,314 |
| Total noninterest expense | $7,480,000 | 2,631 |
| Salaries and employee benefits | $3,749,000 | 2,595 |
| Premises and equipment expense | $638,000 | 3,724 |
| Additional noninterest expense | $3,093,000 | 2,286 |
| Pre-tax net operating income | $1,793,000 | 2,093 |
| Securities gains (losses) | $450,000 | 945 |
| Applicable income taxes | $428,000 | 1,700 |
| Income before extraordinary items | $1,815,000 | 1,829 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,815,000 | 1,826 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,815,000 | 1,828 |
| Net charge-offs | $-48,000 | 7,957 |
| Cash dividends | $760,000 | 2,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,450,500 | 2,144 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,398,000 | 2,973 |
| Total interest expense | $2,370,000 | 3,415 |
| Net interest income | $6,028,000 | 2,716 |
| Provision for loan and lease losses | $60,000 | 6,402 |
| Total noninterest income | $985,000 | 2,847 |
| Gross Fiduciary activities income | $43,000 | 934 |
| Service charges on deposit accounts | $326,000 | 3,178 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $616,000 | 2,478 |
| Total noninterest expense | $5,762,000 | 2,573 |
| Salaries and employee benefits | $2,967,000 | 2,500 |
| Premises and equipment expense | $485,000 | 3,703 |
| Additional noninterest expense | $2,310,000 | 2,258 |
| Pre-tax net operating income | $1,191,000 | 2,453 |
| Securities gains (losses) | $443,000 | 763 |
| Applicable income taxes | $332,000 | 1,824 |
| Income before extraordinary items | $1,302,000 | 2,037 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,302,000 | 2,036 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,302,000 | 2,037 |
| Net charge-offs | $-26,000 | 7,968 |
| Cash dividends | $334,000 | 2,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $947,600 | 2,519 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,606,000 | 2,997 |
| Total interest expense | $1,629,000 | 3,461 |
| Net interest income | $3,977,000 | 2,734 |
| Provision for loan and lease losses | $30,000 | 6,428 |
| Total noninterest income | $661,000 | 2,847 |
| Gross Fiduciary activities income | $43,000 | 891 |
| Service charges on deposit accounts | $201,000 | 3,303 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $417,000 | 2,490 |
| Total noninterest expense | $3,810,000 | 2,619 |
| Salaries and employee benefits | $1,952,000 | 2,567 |
| Premises and equipment expense | $330,000 | 3,669 |
| Additional noninterest expense | $1,528,000 | 2,299 |
| Pre-tax net operating income | $798,000 | 2,522 |
| Securities gains (losses) | $-4,000 | 7,416 |
| Applicable income taxes | $105,000 | 2,587 |
| Income before extraordinary items | $689,000 | 2,521 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $689,000 | 2,518 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $689,000 | 2,520 |
| Net charge-offs | $-20,000 | 8,002 |
| Cash dividends | $334,000 | 2,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $692,480 | 2,437 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,784,000 | 3,050 |
| Total interest expense | $831,000 | 3,526 |
| Net interest income | $1,953,000 | 2,777 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $350,000 | 2,730 |
| Gross Fiduciary activities income | $42,000 | 809 |
| Service charges on deposit accounts | $92,000 | 3,418 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $216,000 | 2,404 |
| Total noninterest expense | $1,838,000 | 2,623 |
| Salaries and employee benefits | $939,000 | 2,687 |
| Premises and equipment expense | $189,000 | 3,383 |
| Additional noninterest expense | $710,000 | 2,201 |
| Pre-tax net operating income | $465,000 | 2,507 |
| Securities gains (losses) | $4,000 | 2,106 |
| Applicable income taxes | $85,000 | 2,350 |
| Income before extraordinary items | $384,000 | 2,648 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $384,000 | 2,647 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $384,000 | 2,649 |
| Net charge-offs | $-17,000 | 7,962 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $380,720 | 2,526 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,884,000 | 3,075 |
| Total interest expense | $3,657,000 | 3,736 |
| Net interest income | $8,227,000 | 2,634 |
| Provision for loan and lease losses | $143,000 | 5,629 |
| Total noninterest income | $1,443,000 | 2,706 |
| Gross Fiduciary activities income | $73,000 | 931 |
| Service charges on deposit accounts | $452,000 | 3,219 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $918,000 | 2,252 |
| Total noninterest expense | $7,465,000 | 2,539 |
| Salaries and employee benefits | $3,780,000 | 2,646 |
| Premises and equipment expense | $671,000 | 3,611 |
| Additional noninterest expense | $3,014,000 | 2,002 |
| Pre-tax net operating income | $2,062,000 | 2,390 |
| Securities gains (losses) | $-199,000 | 7,352 |
| Applicable income taxes | $251,000 | 2,593 |
| Income before extraordinary items | $1,612,000 | 2,392 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,612,000 | 2,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 4,681 |
| Cash dividends | $1,003,000 | 2,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,785,130 | 2,333 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,028,000 | 3,098 |
| Total interest expense | $2,835,000 | 3,762 |
| Net interest income | $6,193,000 | 2,652 |
| Provision for loan and lease losses | $90,000 | 5,263 |
| Total noninterest income | $1,064,000 | 2,780 |
| Gross Fiduciary activities income | $69,000 | 893 |
| Service charges on deposit accounts | $343,000 | 3,225 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $652,000 | 2,423 |
| Total noninterest expense | $5,714,000 | 2,469 |
| Salaries and employee benefits | $2,992,000 | 2,549 |
| Premises and equipment expense | $499,000 | 3,638 |
| Additional noninterest expense | $2,223,000 | 1,958 |
| Pre-tax net operating income | $1,453,000 | 2,907 |
| Securities gains (losses) | $-178,000 | 7,586 |
| Applicable income taxes | $218,000 | 2,814 |
| Income before extraordinary items | $1,057,000 | 2,993 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,057,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,573 |
| Cash dividends | $502,000 | 2,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,204,740 | 2,895 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,104,000 | 3,105 |
| Total interest expense | $1,945,000 | 3,812 |
| Net interest income | $4,159,000 | 2,618 |
| Provision for loan and lease losses | $60,000 | 4,901 |
| Total noninterest income | $754,000 | 2,719 |
| Gross Fiduciary activities income | $69,000 | 859 |
| Service charges on deposit accounts | $237,000 | 3,125 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $448,000 | 2,415 |
| Total noninterest expense | $3,862,000 | 2,455 |
| Salaries and employee benefits | $2,029,000 | 2,543 |
| Premises and equipment expense | $344,000 | 3,599 |
| Additional noninterest expense | $1,489,000 | 1,937 |
| Pre-tax net operating income | $991,000 | 2,973 |
| Securities gains (losses) | $40,000 | 1,598 |
| Applicable income taxes | $219,000 | 2,573 |
| Income before extraordinary items | $812,000 | 3,012 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $812,000 | 3,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,912 |
| Cash dividends | $502,000 | 2,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $780,400 | 3,042 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 3,133 |
| Total interest expense | $1,006,000 | 3,906 |
| Net interest income | $2,090,000 | 2,609 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $389,000 | 2,650 |
| Gross Fiduciary activities income | $44,000 | 833 |
| Service charges on deposit accounts | $125,000 | 2,971 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $220,000 | 2,435 |
| Total noninterest expense | $1,973,000 | 2,398 |
| Salaries and employee benefits | $1,015,000 | 2,553 |
| Premises and equipment expense | $195,000 | 3,309 |
| Additional noninterest expense | $763,000 | 1,845 |
| Pre-tax net operating income | $476,000 | 3,174 |
| Securities gains (losses) | $6,000 | 2,176 |
| Applicable income taxes | $76,000 | 3,104 |
| Income before extraordinary items | $406,000 | 3,160 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $406,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,006 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $400,960 | 3,110 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,385,000 | 3,937 |
| Total interest expense | $2,978,000 | 4,819 |
| Net interest income | $6,407,000 | 3,341 |
| Provision for loan and lease losses | $35,000 | 5,986 |
| Total noninterest income | $794,000 | 4,019 |
| Gross Fiduciary activities income | $40,000 | 1,044 |
| Service charges on deposit accounts | $231,000 | 4,606 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $523,000 | 3,228 |
| Total noninterest expense | $4,819,000 | 3,551 |
| Salaries and employee benefits | $2,564,000 | 3,648 |
| Premises and equipment expense | $419,000 | 4,881 |
| Additional noninterest expense | $1,836,000 | 2,881 |
| Pre-tax net operating income | $2,347,000 | 2,960 |
| Securities gains (losses) | $15,000 | 1,192 |
| Applicable income taxes | $584,000 | 2,545 |
| Income before extraordinary items | $1,778,000 | 3,068 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,778,000 | 3,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,768 |
| Cash dividends | $1,212,000 | 2,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,766,750 | 3,072 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,628,000 | 4,105 |
| Total interest expense | $2,068,000 | 5,021 |
| Net interest income | $4,560,000 | 3,480 |
| Provision for loan and lease losses | $10,000 | 6,151 |
| Total noninterest income | $493,000 | 4,447 |
| Gross Fiduciary activities income | $39,000 | 1,001 |
| Service charges on deposit accounts | $131,000 | 5,182 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $323,000 | 3,606 |
| Total noninterest expense | $3,323,000 | 3,791 |
| Salaries and employee benefits | $1,839,000 | 3,779 |
| Premises and equipment expense | $292,000 | 5,092 |
| Additional noninterest expense | $1,192,000 | 3,213 |
| Pre-tax net operating income | $1,720,000 | 3,181 |
| Securities gains (losses) | $17,000 | 863 |
| Applicable income taxes | $518,000 | 2,487 |
| Income before extraordinary items | $1,219,000 | 3,430 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,219,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,397 |
| Cash dividends | $684,000 | 2,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,207,100 | 3,441 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,377,000 | 4,151 |
| Total interest expense | $1,376,000 | 5,039 |
| Net interest income | $3,001,000 | 3,531 |
| Provision for loan and lease losses | $10,000 | 5,732 |
| Total noninterest income | $338,000 | 4,405 |
| Gross Fiduciary activities income | $39,000 | 965 |
| Service charges on deposit accounts | $84,000 | 5,265 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $215,000 | 3,645 |
| Total noninterest expense | $2,213,000 | 3,812 |
| Salaries and employee benefits | $1,226,000 | 3,818 |
| Premises and equipment expense | $202,000 | 5,004 |
| Additional noninterest expense | $785,000 | 3,247 |
| Pre-tax net operating income | $1,116,000 | 3,278 |
| Securities gains (losses) | $15,000 | 765 |
| Applicable income taxes | $326,000 | 2,626 |
| Income before extraordinary items | $805,000 | 3,507 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $805,000 | 3,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,346 |
| Cash dividends | $684,000 | 2,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $794,350 | 3,514 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,141,000 | 4,195 |
| Total interest expense | $666,000 | 5,113 |
| Net interest income | $1,475,000 | 3,580 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $188,000 | 4,154 |
| Gross Fiduciary activities income | $38,000 | 872 |
| Service charges on deposit accounts | $36,000 | 5,497 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $114,000 | 3,521 |
| Total noninterest expense | $1,116,000 | 3,790 |
| Salaries and employee benefits | $618,000 | 3,810 |
| Premises and equipment expense | $105,000 | 4,900 |
| Additional noninterest expense | $393,000 | 3,219 |
| Pre-tax net operating income | $537,000 | 3,363 |
| Securities gains (losses) | $10,000 | 691 |
| Applicable income taxes | $148,000 | 2,755 |
| Income before extraordinary items | $399,000 | 3,509 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $399,000 | 3,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,373 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $391,700 | 3,528 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,505,000 | 4,038 |
| Total interest expense | $2,382,000 | 4,949 |
| Net interest income | $6,123,000 | 3,475 |
| Provision for loan and lease losses | $166,000 | 3,889 |
| Total noninterest income | $729,000 | 4,270 |
| Gross Fiduciary activities income | $46,000 | 1,034 |
| Service charges on deposit accounts | $212,000 | 4,859 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $471,000 | 3,447 |
| Total noninterest expense | $4,578,000 | 3,590 |
| Salaries and employee benefits | $2,388,000 | 3,733 |
| Premises and equipment expense | $445,000 | 4,598 |
| Additional noninterest expense | $1,745,000 | 2,896 |
| Pre-tax net operating income | $2,108,000 | 3,531 |
| Securities gains (losses) | $23,000 | 872 |
| Applicable income taxes | $485,000 | 3,195 |
| Income before extraordinary items | $1,646,000 | 3,560 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,646,000 | 3,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,698 |
| Cash dividends | $1,175,000 | 2,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,628,290 | 3,568 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,289,000 | 4,041 |
| Total interest expense | $1,732,000 | 4,949 |
| Net interest income | $4,557,000 | 3,509 |
| Provision for loan and lease losses | $166,000 | 3,237 |
| Total noninterest income | $560,000 | 4,227 |
| Gross Fiduciary activities income | $42,000 | 1,010 |
| Service charges on deposit accounts | $166,000 | 4,817 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $352,000 | 3,427 |
| Total noninterest expense | $3,378,000 | 3,633 |
| Salaries and employee benefits | $1,793,000 | 3,740 |
| Premises and equipment expense | $301,000 | 4,932 |
| Additional noninterest expense | $1,284,000 | 2,938 |
| Pre-tax net operating income | $1,573,000 | 3,684 |
| Securities gains (losses) | $16,000 | 804 |
| Applicable income taxes | $438,000 | 3,048 |
| Income before extraordinary items | $1,151,000 | 3,836 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,151,000 | 3,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,215 |
| Cash dividends | $665,000 | 2,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,139,480 | 3,853 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,149,000 | 4,027 |
| Total interest expense | $1,129,000 | 4,905 |
| Net interest income | $3,020,000 | 3,528 |
| Provision for loan and lease losses | $20,000 | 5,511 |
| Total noninterest income | $361,000 | 4,275 |
| Gross Fiduciary activities income | $42,000 | 973 |
| Service charges on deposit accounts | $116,000 | 4,683 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $203,000 | 3,719 |
| Total noninterest expense | $2,184,000 | 3,722 |
| Salaries and employee benefits | $1,205,000 | 3,734 |
| Premises and equipment expense | $192,000 | 5,050 |
| Additional noninterest expense | $787,000 | 3,181 |
| Pre-tax net operating income | $1,177,000 | 3,401 |
| Securities gains (losses) | $16,000 | 650 |
| Applicable income taxes | $347,000 | 2,845 |
| Income before extraordinary items | $846,000 | 3,600 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $846,000 | 3,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $665,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $834,640 | 3,631 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,050,000 | 4,009 |
| Total interest expense | $546,000 | 4,865 |
| Net interest income | $1,504,000 | 3,531 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $201,000 | 3,973 |
| Gross Fiduciary activities income | $35,000 | 893 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,483 |
| Total noninterest expense | $1,099,000 | 3,727 |
| Salaries and employee benefits | $608,000 | 3,723 |
| Premises and equipment expense | $102,000 | 4,892 |
| Additional noninterest expense | $389,000 | 3,202 |
| Pre-tax net operating income | $591,000 | 3,348 |
| Securities gains (losses) | $3,000 | 752 |
| Applicable income taxes | $171,000 | 2,840 |
| Income before extraordinary items | $423,000 | 3,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $423,000 | 3,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $420,870 | 3,541 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,970,000 | 3,768 |
| Total interest expense | $1,693,000 | 4,926 |
| Net interest income | $6,277,000 | 3,308 |
| Provision for loan and lease losses | $165,000 | 3,955 |
| Total noninterest income | $607,000 | 4,753 |
| Gross Fiduciary activities income | $32,000 | 1,114 |
| Service charges on deposit accounts | $198,000 | 5,064 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $377,000 | 3,876 |
| Total noninterest expense | $4,192,000 | 3,725 |
| Salaries and employee benefits | $2,305,000 | 3,714 |
| Premises and equipment expense | $366,000 | 5,144 |
| Additional noninterest expense | $1,521,000 | 3,195 |
| Pre-tax net operating income | $2,527,000 | 3,139 |
| Securities gains (losses) | $-90,000 | 8,391 |
| Applicable income taxes | $584,000 | 3,117 |
| Income before extraordinary items | $1,853,000 | 3,284 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,853,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,496 |
| Cash dividends | $1,562,000 | 1,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,921,400 | 3,160 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,910,000 | 3,763 |
| Total interest expense | $1,189,000 | 4,958 |
| Net interest income | $4,721,000 | 3,292 |
| Provision for loan and lease losses | $35,000 | 5,685 |
| Total noninterest income | $448,000 | 4,836 |
| Gross Fiduciary activities income | $32,000 | 1,054 |
| Service charges on deposit accounts | $143,000 | 5,179 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $273,000 | 3,965 |
| Total noninterest expense | $3,147,000 | 3,696 |
| Salaries and employee benefits | $1,719,000 | 3,712 |
| Premises and equipment expense | $276,000 | 5,107 |
| Additional noninterest expense | $1,152,000 | 3,136 |
| Pre-tax net operating income | $1,987,000 | 3,079 |
| Securities gains (losses) | $-21,000 | 8,193 |
| Applicable income taxes | $553,000 | 2,772 |
| Income before extraordinary items | $1,413,000 | 3,282 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,413,000 | 3,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 8,539 |
| Cash dividends | $824,000 | 2,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,428,120 | 3,219 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,890,000 | 3,725 |
| Total interest expense | $770,000 | 4,885 |
| Net interest income | $3,120,000 | 3,298 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $309,000 | 4,715 |
| Gross Fiduciary activities income | $32,000 | 1,008 |
| Service charges on deposit accounts | $93,000 | 5,192 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $184,000 | 3,908 |
| Total noninterest expense | $2,108,000 | 3,665 |
| Salaries and employee benefits | $1,134,000 | 3,725 |
| Premises and equipment expense | $195,000 | 4,902 |
| Additional noninterest expense | $779,000 | 3,087 |
| Pre-tax net operating income | $1,301,000 | 3,065 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $357,000 | 2,782 |
| Income before extraordinary items | $947,000 | 3,225 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $947,000 | 3,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 8,596 |
| Cash dividends | $823,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $944,810 | 3,185 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,924,000 | 3,709 |
| Total interest expense | $373,000 | 4,869 |
| Net interest income | $1,551,000 | 3,314 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $172,000 | 4,357 |
| Gross Fiduciary activities income | $32,000 | 906 |
| Service charges on deposit accounts | $43,000 | 5,318 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $1,043,000 | 3,730 |
| Salaries and employee benefits | $558,000 | 3,772 |
| Premises and equipment expense | $108,000 | 4,611 |
| Additional noninterest expense | $377,000 | 3,175 |
| Pre-tax net operating income | $665,000 | 2,980 |
| Securities gains (losses) | $-4,000 | 8,340 |
| Applicable income taxes | $177,000 | 2,793 |
| Income before extraordinary items | $484,000 | 3,126 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $484,000 | 3,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,655 |
| Cash dividends | $175,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $486,920 | 3,073 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,422,000 | 3,632 |
| Total interest expense | $1,585,000 | 4,365 |
| Net interest income | $5,837,000 | 3,364 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $583,000 | 4,881 |
| Gross Fiduciary activities income | $41,000 | 1,092 |
| Service charges on deposit accounts | $192,000 | 5,312 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $350,000 | 3,967 |
| Total noninterest expense | $4,191,000 | 3,600 |
| Salaries and employee benefits | $2,434,000 | 3,424 |
| Premises and equipment expense | $369,000 | 5,036 |
| Additional noninterest expense | $1,388,000 | 3,328 |
| Pre-tax net operating income | $2,199,000 | 3,291 |
| Securities gains (losses) | $-34,000 | 8,513 |
| Applicable income taxes | $489,000 | 3,389 |
| Income before extraordinary items | $1,676,000 | 3,354 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,676,000 | 3,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,036 |
| Cash dividends | $1,087,000 | 2,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,702,180 | 3,248 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,514,000 | 3,632 |
| Total interest expense | $1,198,000 | 4,295 |
| Net interest income | $4,316,000 | 3,385 |
| Provision for loan and lease losses | $30,000 | 5,981 |
| Total noninterest income | $449,000 | 4,837 |
| Gross Fiduciary activities income | $38,000 | 1,052 |
| Service charges on deposit accounts | $145,000 | 5,337 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $266,000 | 3,952 |
| Total noninterest expense | $3,059,000 | 3,659 |
| Salaries and employee benefits | $1,782,000 | 3,460 |
| Premises and equipment expense | $269,000 | 5,098 |
| Additional noninterest expense | $1,008,000 | 3,406 |
| Pre-tax net operating income | $1,676,000 | 3,330 |
| Securities gains (losses) | $-24,000 | 8,687 |
| Applicable income taxes | $449,000 | 3,085 |
| Income before extraordinary items | $1,203,000 | 3,535 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,203,000 | 3,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,170 |
| Cash dividends | $461,000 | 2,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,220,520 | 3,411 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,653,000 | 3,652 |
| Total interest expense | $816,000 | 4,218 |
| Net interest income | $2,837,000 | 3,420 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $313,000 | 4,724 |
| Gross Fiduciary activities income | $35,000 | 1,016 |
| Service charges on deposit accounts | $99,000 | 5,285 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $179,000 | 3,982 |
| Total noninterest expense | $2,031,000 | 3,688 |
| Salaries and employee benefits | $1,172,000 | 3,523 |
| Premises and equipment expense | $181,000 | 5,097 |
| Additional noninterest expense | $678,000 | 3,385 |
| Pre-tax net operating income | $1,104,000 | 3,307 |
| Securities gains (losses) | $-22,000 | 8,808 |
| Applicable income taxes | $269,000 | 3,266 |
| Income before extraordinary items | $813,000 | 3,481 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $813,000 | 3,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,630 |
| Cash dividends | $461,000 | 2,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $829,500 | 3,344 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,808,000 | 3,692 |
| Total interest expense | $433,000 | 4,083 |
| Net interest income | $1,375,000 | 3,496 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $173,000 | 4,423 |
| Gross Fiduciary activities income | $35,000 | 882 |
| Service charges on deposit accounts | $49,000 | 5,252 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $89,000 | 3,959 |
| Total noninterest expense | $992,000 | 3,785 |
| Salaries and employee benefits | $566,000 | 3,632 |
| Premises and equipment expense | $97,000 | 4,884 |
| Additional noninterest expense | $329,000 | 3,475 |
| Pre-tax net operating income | $556,000 | 3,268 |
| Securities gains (losses) | $-3,000 | 8,790 |
| Applicable income taxes | $117,000 | 3,528 |
| Income before extraordinary items | $436,000 | 3,281 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $436,000 | 3,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 831 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $438,370 | 3,151 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,668,000 | 3,556 |
| Total interest expense | $1,947,000 | 4,110 |
| Net interest income | $5,721,000 | 3,306 |
| Provision for loan and lease losses | $-160,000 | 9,068 |
| Total noninterest income | $550,000 | 5,180 |
| Gross Fiduciary activities income | $37,000 | 1,137 |
| Service charges on deposit accounts | $197,000 | 5,297 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $316,000 | 4,400 |
| Total noninterest expense | $3,932,000 | 3,762 |
| Salaries and employee benefits | $2,293,000 | 3,511 |
| Premises and equipment expense | $352,000 | 5,142 |
| Additional noninterest expense | $1,287,000 | 3,523 |
| Pre-tax net operating income | $2,499,000 | 2,895 |
| Securities gains (losses) | $-181,000 | 9,068 |
| Applicable income taxes | $456,000 | 3,548 |
| Income before extraordinary items | $1,862,000 | 3,027 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,862,000 | 3,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,947 |
| Cash dividends | $1,326,000 | 1,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,006,800 | 2,729 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,826,000 | 3,567 |
| Total interest expense | $1,500,000 | 4,140 |
| Net interest income | $4,326,000 | 3,307 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $378,000 | 5,454 |
| Gross Fiduciary activities income | $34,000 | 1,077 |
| Service charges on deposit accounts | $139,000 | 5,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $205,000 | 4,745 |
| Total noninterest expense | $2,915,000 | 3,779 |
| Salaries and employee benefits | $1,645,000 | 3,619 |
| Premises and equipment expense | $271,000 | 5,060 |
| Additional noninterest expense | $999,000 | 3,403 |
| Pre-tax net operating income | $1,789,000 | 3,087 |
| Securities gains (losses) | $-114,000 | 9,128 |
| Applicable income taxes | $378,000 | 3,501 |
| Income before extraordinary items | $1,297,000 | 3,290 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,297,000 | 3,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,605 |
| Cash dividends | $443,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,384,780 | 2,989 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,971,000 | 3,543 |
| Total interest expense | $1,036,000 | 4,131 |
| Net interest income | $2,935,000 | 3,253 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $260,000 | 5,356 |
| Gross Fiduciary activities income | $34,000 | 1,032 |
| Service charges on deposit accounts | $83,000 | 5,687 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $143,000 | 4,655 |
| Total noninterest expense | $1,929,000 | 3,809 |
| Salaries and employee benefits | $1,090,000 | 3,633 |
| Premises and equipment expense | $188,000 | 4,904 |
| Additional noninterest expense | $651,000 | 3,449 |
| Pre-tax net operating income | $1,251,000 | 2,980 |
| Securities gains (losses) | $-37,000 | 9,143 |
| Applicable income taxes | $295,000 | 3,276 |
| Income before extraordinary items | $919,000 | 3,163 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $919,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,391 |
| Cash dividends | $443,000 | 2,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $947,120 | 2,926 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,998,000 | 3,526 |
| Total interest expense | $516,000 | 4,238 |
| Net interest income | $1,482,000 | 3,204 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $141,000 | 5,042 |
| Gross Fiduciary activities income | $33,000 | 927 |
| Service charges on deposit accounts | $37,000 | 5,850 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $71,000 | 4,573 |
| Total noninterest expense | $939,000 | 3,851 |
| Salaries and employee benefits | $542,000 | 3,646 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $298,000 | 3,671 |
| Pre-tax net operating income | $669,000 | 2,840 |
| Securities gains (losses) | $-24,000 | 9,199 |
| Applicable income taxes | $164,000 | 3,062 |
| Income before extraordinary items | $481,000 | 3,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 3,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,205 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $499,000 | 2,806 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,493,000 | 3,467 |
| Total interest expense | $2,408,000 | 4,227 |
| Net interest income | $6,085,000 | 3,106 |
| Provision for loan and lease losses | $615,000 | 2,016 |
| Total noninterest income | $560,000 | 4,905 |
| Gross Fiduciary activities income | $43,000 | 1,139 |
| Service charges on deposit accounts | $183,000 | 5,416 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $334,000 | 4,032 |
| Total noninterest expense | $3,761,000 | 3,730 |
| Salaries and employee benefits | $2,022,000 | 3,703 |
| Premises and equipment expense | $375,000 | 4,865 |
| Additional noninterest expense | $1,364,000 | 3,217 |
| Pre-tax net operating income | $2,269,000 | 3,108 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $512,000 | 3,397 |
| Income before extraordinary items | $1,785,000 | 3,062 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,785,000 | 3,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $564,000 | 1,515 |
| Cash dividends | $1,017,000 | 2,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,763,160 | 2,992 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,167,000 | 3,581 |
| Total interest expense | $3,427,000 | 4,273 |
| Net interest income | $5,740,000 | 3,067 |
| Provision for loan and lease losses | $372,000 | 2,771 |
| Total noninterest income | $373,000 | 5,867 |
| Gross Fiduciary activities income | $45,000 | 1,154 |
| Service charges on deposit accounts | $178,000 | 5,424 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $150,000 | 5,549 |
| Total noninterest expense | $3,488,000 | 3,838 |
| Salaries and employee benefits | $1,706,000 | 4,092 |
| Premises and equipment expense | $371,000 | 4,833 |
| Additional noninterest expense | $1,411,000 | 3,037 |
| Pre-tax net operating income | $2,253,000 | 2,898 |
| Securities gains (losses) | $-2,000 | 9,092 |
| Applicable income taxes | $617,000 | 2,917 |
| Income before extraordinary items | $1,634,000 | 3,025 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,634,000 | 3,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,888 |
| Cash dividends | $967,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,635,460 | 2,923 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,332,000 | 3,615 |
| Total interest expense | $3,749,000 | 4,178 |
| Net interest income | $5,583,000 | 3,151 |
| Provision for loan and lease losses | $680,000 | 1,456 |
| Total noninterest income | $379,000 | 5,679 |
| Gross Fiduciary activities income | $56,000 | 1,031 |
| Service charges on deposit accounts | $187,000 | 5,278 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $136,000 | 5,716 |
| Total noninterest expense | $3,305,000 | 3,900 |
| Salaries and employee benefits | $1,695,000 | 3,962 |
| Premises and equipment expense | $326,000 | 5,182 |
| Additional noninterest expense | $1,284,000 | 3,213 |
| Pre-tax net operating income | $1,977,000 | 3,353 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $465,000 | 3,651 |
| Income before extraordinary items | $1,516,000 | 3,225 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,516,000 | 3,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $779,000 | 894 |
| Cash dividends | $1,929,000 | 1,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,512,920 | 3,227 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,109,000 | 3,498 |
| Total interest expense | $3,531,000 | 4,017 |
| Net interest income | $5,578,000 | 3,104 |
| Provision for loan and lease losses | $828,000 | 1,157 |
| Total noninterest income | $375,000 | 5,795 |
| Gross Fiduciary activities income | $62,000 | 1,068 |
| Service charges on deposit accounts | $176,000 | 5,442 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $137,000 | 5,812 |
| Total noninterest expense | $2,962,000 | 4,259 |
| Salaries and employee benefits | $1,549,000 | 4,217 |
| Premises and equipment expense | $319,000 | 5,285 |
| Additional noninterest expense | $1,094,000 | 3,726 |
| Pre-tax net operating income | $2,163,000 | 3,141 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $511,000 | 3,595 |
| Income before extraordinary items | $1,662,000 | 2,992 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,662,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $627,000 | 1,015 |
| Cash dividends | $808,000 | 2,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,654,400 | 2,965 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,229,000 | 3,462 |
| Total interest expense | $3,785,000 | 3,852 |
| Net interest income | $5,444,000 | 3,155 |
| Provision for loan and lease losses | $285,000 | 2,735 |
| Total noninterest income | $314,000 | 6,334 |
| Gross Fiduciary activities income | $39,000 | 1,146 |
| Service charges on deposit accounts | $164,000 | 5,694 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $111,000 | 6,381 |
| Total noninterest expense | $2,958,000 | 4,164 |
| Salaries and employee benefits | $1,438,000 | 4,392 |
| Premises and equipment expense | $306,000 | 5,331 |
| Additional noninterest expense | $1,214,000 | 3,336 |
| Pre-tax net operating income | $2,515,000 | 2,768 |
| Securities gains (losses) | $16,000 | 2,616 |
| Applicable income taxes | $676,000 | 3,110 |
| Income before extraordinary items | $1,855,000 | 2,733 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,855,000 | 2,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,853 |
| Cash dividends | $786,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,843,320 | 2,673 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,690,000 | 3,689 |
| Total interest expense | $3,607,000 | 4,039 |
| Net interest income | $5,083,000 | 3,439 |
| Provision for loan and lease losses | $285,000 | 2,727 |
| Total noninterest income | $305,000 | 6,592 |
| Gross Fiduciary activities income | $44,000 | 1,190 |
| Service charges on deposit accounts | $168,000 | 5,859 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $93,000 | 6,977 |
| Total noninterest expense | $2,693,000 | 4,488 |
| Salaries and employee benefits | $1,438,000 | 4,406 |
| Premises and equipment expense | $316,000 | 5,267 |
| Additional noninterest expense | $939,000 | 4,142 |
| Pre-tax net operating income | $2,410,000 | 3,008 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $637,000 | 3,504 |
| Income before extraordinary items | $1,775,000 | 2,868 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,775,000 | 2,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,545 |
| Cash dividends | $696,000 | 2,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,773,520 | 2,822 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,988,000 | 4,043 |
| Total interest expense | $3,289,000 | 4,417 |
| Net interest income | $4,699,000 | 3,753 |
| Provision for loan and lease losses | $215,000 | 3,255 |
| Total noninterest income | $241,000 | 7,701 |
| Gross Fiduciary activities income | $25,000 | 1,330 |
| Service charges on deposit accounts | $142,000 | 6,615 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $74,000 | 7,943 |
| Total noninterest expense | $2,534,000 | 4,947 |
| Salaries and employee benefits | $1,341,000 | 4,752 |
| Premises and equipment expense | $311,000 | 5,439 |
| Additional noninterest expense | $882,000 | 4,832 |
| Pre-tax net operating income | $2,191,000 | 3,174 |
| Securities gains (losses) | $13,000 | 2,310 |
| Applicable income taxes | $569,000 | 3,742 |
| Income before extraordinary items | $1,635,000 | 2,943 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,635,000 | 2,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,230 |
| Cash dividends | $661,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,625,380 | 2,926 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,052,000 | 3,985 |
| Total interest expense | $3,156,000 | 4,539 |
| Net interest income | $4,896,000 | 3,612 |
| Provision for loan and lease losses | $15,000 | 7,935 |
| Total noninterest income | $219,000 | 8,134 |
| Gross Fiduciary activities income | $18,000 | 1,421 |
| Service charges on deposit accounts | $120,000 | 7,313 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $2,501,000 | 4,993 |
| Salaries and employee benefits | $1,380,000 | 4,622 |
| Premises and equipment expense | $278,000 | 5,953 |
| Additional noninterest expense | $843,000 | 5,031 |
| Pre-tax net operating income | $2,599,000 | 2,739 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $745,000 | 3,061 |
| Income before extraordinary items | $1,870,000 | 2,655 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,870,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,745 |
| Cash dividends | $637,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,858,480 | 2,638 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,930,000 | 3,764 |
| Total interest expense | $2,911,000 | 4,069 |
| Net interest income | $5,019,000 | 3,554 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $218,000 | 8,425 |
| Gross Fiduciary activities income | $32,000 | 1,374 |
| Service charges on deposit accounts | $116,000 | 7,697 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $70,000 | 8,653 |
| Total noninterest expense | $2,592,000 | 4,998 |
| Salaries and employee benefits | $1,347,000 | 4,728 |
| Premises and equipment expense | $251,000 | 6,508 |
| Additional noninterest expense | $994,000 | 4,730 |
| Pre-tax net operating income | $2,645,000 | 2,686 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $743,000 | 2,964 |
| Income before extraordinary items | $1,901,000 | 2,555 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,901,000 | 2,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,693 |
| Cash dividends | $588,000 | 2,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,901,720 | 2,569 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,097,000 | 3,780 |
| Total interest expense | $3,224,000 | 3,869 |
| Net interest income | $4,873,000 | 3,660 |
| Provision for loan and lease losses | $105,000 | 5,626 |
| Total noninterest income | $246,000 | 8,423 |
| Gross Fiduciary activities income | $48,000 | 1,347 |
| Service charges on deposit accounts | $113,000 | 8,031 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $85,000 | 8,419 |
| Total noninterest expense | $2,550,000 | 5,178 |
| Salaries and employee benefits | $1,297,000 | 4,897 |
| Premises and equipment expense | $219,000 | 7,307 |
| Additional noninterest expense | $1,034,000 | 4,774 |
| Pre-tax net operating income | $2,464,000 | 2,741 |
| Securities gains (losses) | $23,000 | 4,484 |
| Applicable income taxes | $723,000 | 3,025 |
| Income before extraordinary items | $1,764,000 | 2,812 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,764,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,809 |
| Cash dividends | $525,000 | 2,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,747,670 | 2,683 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,811,000 | 3,937 |
| Total interest expense | $4,292,000 | 3,815 |
| Net interest income | $4,519,000 | 3,990 |
| Provision for loan and lease losses | $113,000 | 6,955 |
| Total noninterest income | $246,000 | 8,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 7,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,992 |
| Total noninterest expense | $2,400,000 | 5,491 |
| Salaries and employee benefits | $1,279,000 | 4,894 |
| Premises and equipment expense | $216,000 | 7,482 |
| Additional noninterest expense | $905,000 | 5,500 |
| Pre-tax net operating income | $2,252,000 | 2,770 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $661,000 | 3,146 |
| Income before extraordinary items | $1,614,000 | 2,846 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,614,000 | 2,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $480,000 | 2,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,597,670 | 2,657 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.